| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.2% | +3.9% | -3.7 pts |
| Share growth (YoY) | +0.3% | +3.3% | -3.0 pts |
| Loan growth (YoY) | -6.2% | +2.9% | -9.1 pts |
| ROA | 0.46% | 0.69% | -0.2 pts |
| ROE | 4.8% | 5.9% | -1.2 pts |
ROA ranks in the 33rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $107.1M | $96.8M | $33.9M | $10.3M | $123K | 0.46% | 2.84% | 2.04% | 4,313 |
| Q4 2025 | $105.9M | $95.5M | $34.1M | $10.2M | $402K | 0.38% | 2.93% | 2.15% | 4,583 |
| Q3 2025 | $105.6M | $95.3M | $34.0M | $10.2M | $404K | 0.51% | 2.93% | 2.72% | 4,617 |
| Q2 2025 | $108.5M | $98.3M | $35.1M | $10.0M | $190K | 0.35% | 2.77% | 2.64% | 4,601 |
| Q1 2025 | $106.9M | $96.5M | $36.2M | $10.0M | $200K | 0.75% | 2.83% | 1.64% | 4,619 |
| Q4 2024 | $105.4M | $95.3M | $36.8M | $9.8M | $267K | 0.25% | 2.89% | 1.81% | 4,734 |
| Q3 2024 | $104.2M | $93.9M | $36.9M | $10.0M | $473K | 0.61% | 2.93% | 2.15% | 4,760 |
| Q2 2024 | $107.3M | $97.5M | $37.3M | $9.7M | $121K | 0.23% | 2.52% | 2.93% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.46% | 0.69% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 4.8% | 5.9% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.84% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 4,724 |
Loan mix (Q1 2026): real estate $23.2M · commercial $0 · consumer $10.7M · securities $47.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.4% | 78.7% | 57th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
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